Beazley vs Gallagher: How Do They Compare for Employment Practices Liability Insurance?

Beazley insures EPL and advertises limits up to US $20 million; Gallagher uses client data to help assess EPL exposure and coverage needs.

Beazley writes EPL itself with limits up to $20 million and gives policyholders HR training and a hotline; Gallagher is a broker that shops insurers and sizes your limit from loss databases dating to 1997. Beazley names hard-to-place classes such as law firms and healthcare. ^1,^2,³

What Are the Key Differences Between Beazley and Gallagher Employment Practices Liability Insurance?

One Insurer’s Policy vs a Broker Shopping Several

Beazley underwrites EPL itself, standalone or inside ExecuGuard with D&O and fiduciary, and has its own employment claims staff. Gallagher’s Executive and Financial Risk practice shops EPL with outside insurers and designs the program; it doesn’t carry the risk. Choose Beazley if you want a known insurer and up to $20 million from one policy; choose Gallagher if you want a broker to compare several insurers, which can include Beazley. ¹ ² ³

Published Capacity vs Benchmarked Limit Advice

Beazley advertises EPL limits up to US $20 million but no standard retentions. Gallagher publishes no limits; it recommends one using client data, predictive models and EPL and wage-and-hour loss databases dating to 1997, including losses over $1 million. Beazley tells you how high you can go; Gallagher tells you how high you should go. ¹ ³

Hard-to-Place Classes vs Workforce Modeling

Beazley considers employers in all industries with up to 30,000 employees, with no headcount cap for staffing firms, and names law firms, hospitality, healthcare (through Beazley Remedy), retail and transportation. If you are in one of those classes, you know Beazley will look at you. Gallagher instead models your employee count, mix and locations, because it says claim size tracks organization size. ¹ ³

HR Training Portal vs Advisory Tools

Beazley policyholders get BeazleySure: harassment training, a telephone hotline, wage-and-hour tutorials and bilingual model policies. Gallagher’s EPL tools are advisory — loss databases and limit benchmarking — rather than a training portal for your staff. ¹ ³

What Should You Confirm in Beazley and Gallagher Employment Practices Liability Insurance Quotes?

Ask Gallagher which insurers it will approach and whether Beazley is one of them. ³ ¹
Hold Gallagher’s recommended limit against Beazley’s $20 million ceiling, and get retentions in writing from both. ¹ ³
Ask how wage-and-hour defense is handled: a Beazley sublimit, an endorsement on a Gallagher placement, or a separate product. ¹ ³
Ask Beazley whether you are quoted standalone EPL or ExecuGuard, where limits may be shared with D&O and fiduciary. ²

Beazley vs Gallagher Employment Practices Liability Insurance Compared

Beazley vs Gallagher: Employment Practices Liability Insurance: documented features by provider

Criteria	Beazley Employment Practices Liability	Gallagher Employment Practices Liability (EPL) Insurance
Who It’s For	Beazley says it considers employers in all industries with up to 30,000 employees, with no stated employee-count limit for staffing firms, and describes an appetite for harder-to-place classes such as law firms, hospitality, high-tech, healthcare, retail and transportation; healthcare risks are instead written through Beazley Remedy. ¹Company-reported. EPL product page eligibility description; actual acceptance depends on underwriting review of a specific applicant.	Gallagher says its EPL exposure modeling accounts for an organization's employee count, employee type and mix, and location of operations, reflecting that EPL claim size correlates with organization size and diversity. ³Company-reported. Group-level executive-and-financial-risk practice page.
Coverage Features	The EPL policy covers a broad range of discrimination, harassment and other "inappropriate employment conduct" claims, lets the policyholder choose between "duty to defend" and "pay on behalf" claim handling, and includes industry-specific wordings for classes such as law firms, accountants, staffing firms and PEOs. ¹Company-reported. EPL product page coverage description; exclusions and conditions are set by the issued policy. Beazley lists sublimited extensions for immigration-practices defense costs and OSHA proceedings, and a wage-and-hour defense-costs sublimit subject to underwriting; standalone wage-and-hour indemnity (not just defense costs) is sold separately through Beazley's Workplace Protect product. ¹Company-reported. EPL product page; sublimit amounts are not published and appear only on a quote.	Gallagher describes EPL coverage as responding to claims such as sexual harassment and wrongful termination, protecting against both class actions and single-plaintiff claims. ³Company-reported. Group-level executive-and-financial-risk practice page; a service description, not a specific policy's insuring agreement or exclusions.
Role in This Line	Beazley underwrites employment practices liability (EPL) coverage as a standalone product on its dedicated EPL page and as one of three coverages bundled in its ExecuGuard package policy alongside D&O and fiduciary liability. ^1,²Company-reported. US EPL as described on the two reviewed product pages; does not establish which entity issues a particular policy.	Gallagher's Executive and Financial Risk practice places EPL insurance with outside carriers and advises on limits and program design; it does not underwrite the policy. ³Company-reported. Group-level executive-and-financial-risk practice page.
Risk Services	EPL policyholders get free access to BeazleySure, Beazley's online risk-management platform, which the EPL page says includes sexual harassment training, a telephone hotline, wage-and-hour tutorials, and model policies and procedures in English and Spanish. ¹Company-reported. EPL product page service description; actual entitlements depend on the policy purchased.	Gallagher says it uses client data and predictive models, plus benchmarking and contract analysis, to guide EPL limits advice, and maintains its own EPL and Wage and Hour loss databases, including a review of historical losses exceeding $1 million drawn from a database it says it began building in 1997. ³Company-reported. Group-level executive-and-financial-risk practice page; Gallagher's own analytical tools, not independently audited.